Early life

Rai was born in Mangalore to Krishnaraj Rai and Vrinda Rai. She has one elder brother, Aditya Rai who works in Navy and has also co-produced one of Rai's movies, Dil Ka Rishta (2003). At an early age her parents moved to Mumbai where she attended the Arya Vidya Mandir high school in Santa Cruz. Rai then entered Jai Hind College at Churchgate for one year, and then moved to Ruparel College in Matunga to finish her "HSC" studies. She did well in school and planned to become an architect and went on pursuing studies in architecture. She can communicate in several languages, including her mother tongue Tulu, as well as Hindi, English, Marathi and Tamil. She started studying architecture but gave up her education to pursue a career in modelling.